Call reports 2015
WALDEN SAVINGS BANK — 2015
What WALDEN SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 462,899,000 | 480,488,000 | 487,885,000 | 494,005,000 |
| Total loans | 312,771,000 | 313,530,000 | 313,846,000 | 317,627,000 |
| Allowance for loan losses | 3,095,000 | 2,867,000 | 2,872,000 | 2,886,000 |
| Securities available for sale | 80,644,000 | 86,965,000 | 99,063,000 | 107,493,000 |
| Securities held to maturity | 167,000 | 165,000 | 157,000 | 150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 415,830,000 | 432,847,000 | 438,923,000 | 445,892,000 |
| Interest-bearing deposits | 355,762,000 | 363,339,000 | 364,918,000 | 374,385,000 |
| Noninterest-bearing deposits | 60,068,000 | 69,508,000 | 74,005,000 | 71,507,000 |
| Equity capital | 43,148,000 | 43,747,000 | 44,423,000 | 43,976,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,829,000 | 7,640,000 | 11,506,000 | 15,392,000 |
| Interest expense | 225,000 | 447,000 | 672,000 | 899,000 |
| Net interest income | 3,604,000 | 7,193,000 | 10,834,000 | 14,493,000 |
| Noninterest income | 1,070,000 | 2,069,000 | 3,048,000 | 4,127,000 |
| Noninterest expense | 3,866,000 | 7,683,000 | 11,470,000 | 15,427,000 |
| Provision for loan losses | 240,000 | -109,000 | -9,000 | 201,000 |
| Pretax income | 568,000 | 1,689,000 | 2,425,000 | 2,996,000 |
| Income tax | 147,000 | 423,000 | 661,000 | 1,062,000 |
| Net income | 421,000 | 1,266,000 | 1,764,000 | 1,934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,085,000 | 43,931,000 | 44,429,000 | 44,599,000 |
| Total capital | 46,180,000 | 46,798,000 | 47,301,000 | 47,485,000 |
| Risk-weighted assets | 280,065,000 | 281,866,000 | 285,394,000 | 290,763,000 |